An expense tracker built for India — how to start
Rupees, UPI, salary day, EMIs and SIPs — set up the way money actually moves in India, in about ten minutes.
1Your first 10 minutes
- Add your accounts and today’s balanceHome›+ Add account
Bank, cash and credit cards.
- Tell it your salary and pay dayProfile›Salary
So it can say what is safe to spend until then.
- Add your bills and EMIsHome›Bills
Rent, SIPs, card dues — reminded before they are due.
- Check Safe to Spend each morningHome›Safe to Spend
What you can spend today after everything that is coming.
Pick this, not that
Good to know
“How much did I spend on food this month?” — Spendly AI answers from your own numbers.
What came in, what went out, what changed and one thing to watch.
💡 Free for tracking by hand, with no card needed.
Create your account →Questions
What is the best expense tracker app in India?
One that understands UPI, salary cycles, EMIs and SIPs, and does not ask for your bank login. Spendly is built for exactly that, and tracking by hand is free.
Is it safe to use an expense tracker with my bank data?
Spendly never asks for netbanking passwords or PINs. Balances are what you enter, and automatic tracking reads only bank alert messages, read-only.
Can I track cash spending too?
Yes. Add a Cash account and log cash in two taps; ATM withdrawals move money from bank to cash instead of counting as spending.
Does it work for students?
Yes. Pick the student profile and it focuses on pocket money, part-time income and staying within budget.